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SYSTEM, METHOD AND COMPUTER PROGRAM FOR UNDERWRITING AND PROCESSING OF LOANS USING MACHINE LEARNING
SYSTEM, METHOD AND COMPUTER PROGRAM FOR UNDERWRITING AND PROCESSING OF LOANS USING MACHINE LEARNING
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机译:利用机器学习进行贷款的承销和处理的系统,方法和计算机程序
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摘要
A system and method for processing loans includes loan approval decision module that receives input from a loan applicant and collects external data including credit bureau data, bank transaction data, and social media data. The system also includes a machine learning module having a pre-processing subsystem, an automated feature engineering subsystem and a feature statistical assessment subsystem. A business objective determination module and an adverse notice notification module is also provided. The business objective determination module includes a weight optimization company valuation maximization model. A set of models is developed using the machine learning module to predict performance of the borrower based on the business objective determination.
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